Trupanion
Comprehensive Policy
One comprehensive plan, no tiers. Pays 90% of your actual vet invoice with no payout cap.
$$$ PremiumAccident & illnessDirect vet billing
- Reimburses
- 90%
- Annual limit
- Unlimited
- Deductible
- Per condition
- Exam fees
- Not covered
- Accident wait
- 5 days
- Illness wait
- 30 days
- Deductible
- Per-condition lifetime deductible, $0–$1,000 (your choice, $50 increments). Paid once per condition for the pet's life — it never resets.
- Annual limit
- Unlimited — no annual, per-condition or lifetime payout cap.
- Dental
- Covers extractions and reconstruction for teeth injured by an accident, and extractions for dental disease if recommended dental care was followed and no prior symptoms were noted. Routine cleanings are not covered.
- Alternative therapy
- Covered only as optional paid add-ons (acupuncture, physiotherapy, hydrotherapy, behavioural modification). Chiropractic and stem-cell therapy are excluded.
- Wellness
- No routine/wellness coverage — Trupanion deliberately does not sell a preventive-care plan.
- Waiting periods
- Accidents 5 days, illness 30 days. The 30-day illness wait is among the longest in Canada; cruciate and orthopedic conditions are treated as illness, with no separate waiting period.
- Eligibility
- New policies up to age 14. Sold in every province.
- Multi-pet discount
- None offered.
- Underwriter
- Omega General Insurance Company (Canada)
Good to know
- •Unlimited payouts — no annual or lifetime caps
- •Pays 90% of your actual vet invoice
- •Direct payment to many Canadian clinics at checkout
- •Deductible is per condition for life, not yearly
- •Premium never rises because of your pet's age or claims history
Watch out for
- !Vet exam & consultation fees are NOT reimbursed — they come off every claim
- !Only one reimbursement rate (90%) and one plan — no cheaper tier
- !30-day illness waiting period
- !Hip dysplasia coverage is an optional paid add-on, not included by default
- !No multi-pet discount; routine/preventive care is not offered